Where the money goes
Debt comes off the top. Monthly expenses set what living costs, and the annual plan spreads what's left. Whatever the plan doesn't claim becomes lifestyle inflation: extra money to spend every month.
The year — where the budget is allocated
Decide here, in euros per year. Everything below also shows what it means per month.
Where every euro of the year ends up
The annual plan, line by line
The month — where the money goes
The same plan, landed on a single month. Every bar is a euro leaving your account.
From take-home to what's genuinely spare
Blue steps are essentials, purple is debt, orange is current lifestyle, and green is the annual plan divided by twelve. The last bar is what is left over each month.
The years ahead — what you owe, and what you are putting by
One line of time. Debt runs below the axis and shrinks as you pay it; savings run above and grow as the plan and your goals feed them. The dark line is the difference — where you actually stand. Nothing compounds: this is cash in and cash out.
Debt — loans, cards and instalments
| Debt | Payment | Per | Still owed |
|---|
Payoff is the balance divided by the payment — no interest is modelled, so a real card or loan runs longer than this shows. Leave Still owed empty for a payment you do not want dated.
Goals — what the leftover is for
| Goal | Target | Saved | € / month | By | In plan |
|---|
Leave By empty to be told when you arrive; set a year to be told what it takes. Tick In plan when the money already leaves through an annual plan line, so it is not counted twice.
Where you stand, year by year
Purple below the axis is what is still owed. Green above is money put by: the annual plan, plus anything your goals add on top of it. Markers call out the month a debt clears or a goal lands. Move the horizon slider in the sidebar to look further out.
What happens when
The numbers behind the charts
Every line, with what it costs per month, per year, and as a share of take-home.